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Bellaire residents should see lower fire insurance rates

Residents of Bellaire will soon see lower fire insurance rates after numbers skyrocketed a year ago.

Residents of Bellaire will soon see lower fire insurance rates after numbers skyrocketed a year ago.

The ISO, or Insurance Service Office, rates the capabilities of fire departments, and considers factors such as infrastructure, water supply, and emergency communications within the village.

The ISO rating scale goes from 10 to 1, with 1 being the best score.

Last year, Bellaire's numbers jumped to a classification of 9, causing a rate increase for residents.

Village Administrator Scott Porter met with ISO in November to clear up the confusion.

"We couldn't understand because nothing had changed since 1978, so we couldn’t understand it went to a 9, but after our last meeting, we now know that some erroneous information was given," Porter said.

Porter says the rate increase was a miscommunication between two former village employees and an ISO inspector.

"Instead of letting them know that there were 60 hydrants bad, they took it as 60 percent of our hydrants were bad, which was completely erroneous," Porter said.

The two parties compared past and present progress. The end result is good news for residents' rates.

"They have since reduced our rating to a number 5, which is very good,” Porter’s said. “Our residents should see a reduction in their fire insurance rates. They need to contact their insurance companies to let them know it is effective April 1, 2018."

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